When User registers with the Website or App, the User may be asked to provide Personal Data including without limitation: (1) personally identifiable information, which includes any information about the User that could reasonably be used to identify him/her in person, such as User’s name, gender, business name, address, email address, date of birth, date of incorporation, any photo identity proof, address proof, phone number etc. (“Personal Information”); and, (2) financial information such as User’s income, credit/debit card details, bank details, financial accounts details, Credit Report information etc. (“Financial Information”). Personal Data shall also include the information of such third parties that the App/ Website may have access to during the course of providing the Services to the Users. The App/ Website may also collect recurring information of the User’s geographic locations on a continuous basis.

In addition to any Personal Data, that User chooses to submit to the Company, the Company and its third-party service providers may use a variety of technologies that automatically collect certain information, including but not limited to usernames, passwords, phone number(s), email ids, geographical location and other security and usage related information, whenever User visits or utilizes the Services (“Usage Information”). The Company also automatically receives and records information that User’s browser sends whenever User visits the Website/ App. Further, these server logs may include information such as User’s IP address or a unique identifiers of the device such as VPN, information of WIFI connectivity and such other information (“Device Identifier”), browser type, browser language, the date and time of User’s request, pages viewed, time spent on the Website or App and one or more cookies that may uniquely identify the User’s browser, from his/her computer or other device used to access the Services (the “Device”). A Device Identifier is a number that is automatically assigned to the User’s Device, used to access the Services, and the Company’s computers identify User’s Device by its Device Identifier.

In order to provide smooth and uninterrupted Services, the App shall periodically access the address book or contact list on User’s mobile phone/device to locate the mobile phone numbers of other Users. To ensure a better user experience, the App may also at times, access names stored in the User’s address book to ensure any incoming messages and push notifications via the SMS feature having a name associated with them. For example, if the App cannot access names on User’s address book, when a non – App user responds to a SMS sent from the App, the incoming reply will show the non- App user’s number and not the name.

1.4 The App/ Website uses data collection devices such as “cookies” on the User’s Device drive that assist the App/ Website in providing Services. The App also uses cookies to allow User to enter his/her password less frequently during a session. For example, the information provided through cookies may be used to recognize a User as a previous user of the App (so the User does not have to enter his/her personal information every time). Most cookies are “session cookies”. A Session cookie is temporary and is automatically deleted from User’s device at the end of a session. Users are always free to decline App’s cookies if the application permits, although in that case User may not be able to use certain features on X and User may be required to re-enter the user’s password more frequently during a session.